This week the Fort Worth Star Telegram has reported that—thanks to the Affordable Care Act—insurance premiums are going to go up. If true, it will make health care less affordable for the very Texans who keep the system afloat. They are reporting that premiums will average out to be significantly more expensive (up to 85% higher for some) than coverage available on the individual market in Texas prior to Obamacare.

It sounds pretty bad, however Obamacare proponents say the reason the premiums will be more expensive is because these premiums will not be “Swiss Cheese” insurance policies full of loop holes that allow insurance companies to weasle out of paying.